A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€22,600
Any buyer · Bavaria 3.5% ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€374,588Deposit
€93,647Buying costs
€26,353Monthly repayment
€1,895If rates rise 1%
€2,103Savings used
€120,000A rough guide from common lending limits in Germany (repayments up to about 35% of income, at most 80% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in GermanyFor lawyers, brokers, surveyors and agents serving Germany. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in Germany usually keep the mortgage repayment under about 35% of your gross income. Enter your income above to see what that means for you.
Lenders usually lend up to about 80% of the price to people who live in Germany, so you need a deposit of at least 20%. On top of that, buying costs come to about 5.7% of the price. If you live abroad, many lenders lend at most 60%.
Any buyer in Bavaria 3.5%: property transfer tax is about €14,000. All buying costs together come to about €22,600, or 5.7% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Germany. Some rules on who can buy, or which rate applies, can still depend on where you live.
No limits on foreign buyers, and the same transfer tax.
A notary (Notar) to draw up and sign the contract. A German bank account is usually expected.
We last updated the figures on 14 Oct 2026 and checked them against official sources on 14 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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